cancel
Showing results for 
Search instead for 
Did you mean: 

Capital 1 wants me to max out my cc!!

tag
Anonymous
Not applicable

Capital 1 wants me to max out my cc!!

So, I went and hit the luv button last night on my other cap1 one card,, I made sure to use about 55% of my credit limit but that wasn't good enough.. Cat Surprised 

 

You recently requested a credit line increase for your Capital One® account. Unfortunately, your account isn´teligible right now. We know this isn´tthe answer you were hoping for and we want to help you understand why: Recent use of this account's existing credit line has been too low

Message 1 of 21
20 REPLIES 20
NRB525
Super Contributor

Re: Capital 1 wants me to max out my cc!!

CL amount? Length of time with the card?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 21
Anonymous
Not applicable

Re: Capital 1 wants me to max out my cc!!


@Anonymous wrote:

So, I went and hit the luv button last night on my other cap1 one card,, I made sure to use about 55% of my credit limit but that wasn't good enough.. Cat Surprised 

 

You recently requested a credit line increase for your Capital One® account. Unfortunately, your account isn´teligible right now. We know this isn´tthe answer you were hoping for and we want to help you understand why: Recent use of this account's existing credit line has been too low


You don't have to max it out to get a CLI.. You just have to keep using it heavily and they will reward you.

Message 3 of 21
kdm31091
Super Contributor

Re: Capital 1 wants me to max out my cc!!

It takes time - how long have you had it?

Message 4 of 21
Anonymous
Not applicable

Re: Capital 1 wants me to max out my cc!!


@kdm31091 wrote:

It takes time - how long have you had it?


umm idk about that cause they offered me $500 cli on my 2 month old venture, which I said no to. 

Message 5 of 21
kdm31091
Super Contributor

Re: Capital 1 wants me to max out my cc!!


@Anonymous wrote:

@kdm31091 wrote:

It takes time - how long have you had it?


umm idk about that cause they offered me $500 cli on my 2 month old venture, which I said no to. 


What don't you know? Sorry if I was unclear I was asking how long you have had this card that you want a CLI on.

 

If you're saying you don't think it takes time to get "real" CLIs....yes, it does, generally.

Message 6 of 21
Anonymous
Not applicable

Re: Capital 1 wants me to max out my cc!!


@Anonymous wrote:

@kdm31091 wrote:

It takes time - how long have you had it?


umm idk about that cause they offered me $500 cli on my 2 month old venture, which I said no to. 


If you rejected it then it is too soon to be requesting another one.  Keep using your card and you will get a CLI.

Message 7 of 21
Broke_Triathlete
Valued Contributor

Re: Capital 1 wants me to max out my cc!!


@kdm31091 wrote:

It takes time - how long have you had it?


Definitely sounds like a call to the EO is in order...

 

I keed I keed Smiley Wink

Personal:

Business:


Message 8 of 21
NRB525
Super Contributor

Re: Capital 1 wants me to max out my cc!!


@NRB525 wrote:

CL amount? Length of time with the card?


bump

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 21
Anonymous
Not applicable

Re: Capital 1 wants me to max out my cc!!


@kdm31091 wrote:

@Anonymous wrote:

@kdm31091 wrote:

It takes time - how long have you had it?


umm idk about that cause they offered me $500 cli on my 2 month old venture, which I said no to. 


What don't you know? Sorry if I was unclear I was asking how long you have had this card that you want a CLI on.

 

If you're saying you don't think it takes time to get "real" CLIs....yes, it does, generally.


about same time as my venture, so you're saying that the "Recent use of this account's existing credit line has been too low" is based on how long you had the account? I'm learning, thought they use "This account has not had enough recent payments to establish a recent payment history" well that's what I had at first.. Thanks for letting me know.

Message 10 of 21
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.